Targobank Review & Experience
Bank • Loans 1.500,00 € - 80.000,00 €
⭐ Recommended💳 Apply for Targobank Loan
APR from 4.45% • Approval in 96h
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📊 Targobank at a Glance
General Information
- Provider type: Bank
- Rating: 8.2/10
- Legal name: Targobank AG
- Approval rate: ~80%
Loan Terms
- Loan amount: 1.500,00 € - 80.000,00 €
- APR: 4.45% - 12.95%
- Speed: 96h
Example Calculation (APR) at Targobank
This example calculation is for orientation only. Your personal APR depends on creditworthiness (SCHUFA score), term, and loan amount.
| Loan Amount | Term | APR (Range) | Monthly Payment (approx.) | Total Repayment (approx.) |
|---|---|---|---|---|
| 10.000,00 € | 48 months | 4.45% – 12.95% | 247,43 € | 11.876,56 € |
About Targobank
Targobank is a bank for loans in Germany. As a licensed bank, it offers an additional level of security and regulation compared to alternative lenders.
With available amounts between 1.500,00 € and 80.000,00 €, Targobank is suitable for larger financial needs.
Frequently Asked Questions about Targobank
How do I apply for a Targobank loan?
Click "Apply now", fill out the online form (~5 minutes), upload required documents, and receive a decision within 96 hours. Targobank offers a fully digital application process.
What documents are required for Targobank?
For a Targobank loan you need:
- Valid ID or passport
- Payslips (last 3 months)
- Bank statements (last 3 months)
- Proof of address (registration certificate)
What are the interest rates at Targobank?
Targobank offers APR from 4.45% to 12.95%.
The exact rate depends on your creditworthiness (Schufa score), loan amount, and term.
Representative example: 8.70% APR
Is Targobank safe and regulated?
Targobankis a <strong>BaFin-regulated bank</strong> meeting the highest German consumer protection standards. All loans are subject to BaFin oversight and consumer credit law (§ 491 BGB).
Can I repay a Targobank loan early?
Yes, Targobank allows early repayment. Under German consumer credit law, lenders may charge a maximum of:
- 1% of outstanding amount (remaining term > 1 year)
- 0.5% of outstanding amount (remaining term ≤ 1 year)
What Schufa score do I need for a Targobank loan?
Targobank also accepts applicants with moderate credit scores.
Typical requirements:
- Schufa score > 90%: Best rates (4.45% APR)
- Schufa score > 80%: Standard rates (12.95% APR)
- Schufa score < 80%: Individual assessment required
Approval rate at Targobank: 80%
⚖️ Legal Information
Targobank is a BaFin-regulated bank and meets German consumer protection standards.
Official website: https://www.targobank.de
All information is sourced from the official Targobank website and is for informational purposes only. Always read the contract terms before signing. Responsible lending is mandatory in Germany. Market oversight is conducted by BaFin.
Author: Rostislav Sikora – AI Orchestrator & Loan Expert (25+ years in financial services)
Last updated: 12 January 2026